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Why Do I Need EMV?
And When?

Payment card fraud is a big issue
in the U.S. How Big?

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Layer Security For A Strong Defense

Combine EMV with encryption and tokenization for greater protection.

EMV does not replace other payment security methods, but should be a component of overall security that includes encryption and tokenization. EMV only authenticates the card, it does not protect the Primary Account Number (PAN) data.

Use TrustCommerce’s secure encryption and tokenization platform in combination with the encrypted EMV devices for the greatest reduction of risk, liability and exposure.

How it works:

Encrypting card reader/keypad protects customer data by never exposing it to downstream systems.

With a TC “Token” there is no need to store the encrypted card data for returns or other future transactions because the “Token” can be used as if it is a credit card.

Merchant has no access to the “Encryption” keys.

What Is EMV?

Frequently Asked Questions

What is EMV?

A: Europay, MasterCard and Visa (EMV® ) is a global fraud reduction standard for credit and debit payment cards based on chip card technology. This technology is used to combat fraud and protect sensitive payment data in card-present environments. Chip card technology, or Integrated Circuit Cards (ICC), are standard bank cards that look like traditional cards, but with an embedded chip in addition to the standard magnetic stripe on the back of the card.

Unlike swiping a payment card with a magnetic stripe, EMV uses dynamic authentication that is unique for each transaction. Magnetic stripe transactions use static authentication data which is easy to copy and prone to skimming.

How does EMV work?

A: Consumers will insert their card or wave it in front of the device. If inserted, the card stays in reader for duration of transaction. Consumers may be prompted to sign for verification. With EMV transactions consumers experience a minimally slower process.